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468 <span></span> 469 </button> 470 </div> 471</header> 472</div></div> 473 474 475 476 477 <main id="main-content" class="body-container-wrapper"> 478 479 480<div class="body-container"> 481 482 <div class="post-main"> 483 <article class="company-detail"> 484 485 <div id="hs_cos_wrapper_module_17751608148631" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"><section id="module-module_17751608148631" class="custom-module hero-module text-light text-center "> 486 <div class="module-wrap" style="position: relative;"> 487 488 489 490 491 <div class="module-bg"></div> 492 493 494 495 <div class="page-center module-frame "> 496 497 <div class="module-content"> 498 <header class="module-header text-center"> 499 <div class="header-content"> 500 501 502 <h1> 503 HEALTHCARE & SOCIAL SERVICES 504 </h1> 505 506 <div class="header-text"> 507 <h2>For doctors, nurses, allied health employees and mental health workers, insurance and safety programs help reduce risk.</h2> 508<h2> </h2> 509 </div> 510 </div> 511 </header> 512 513 </div> 514 </div> 515 </div> 516 517 <div class="hero-module-services"> 518 <div class="page-center service-cards-area"> 519 520 <div class="service-cards-frame"> 521 522 </div> 523 524 </div> 525 </div> 526 527</section> 528 529</div> 530 <div id="hs_cos_wrapper_module_177315724391613" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"><section id="module-module_177315724391613" class="custom-module request-quote-form move-up "> 531 532 533 <div class="page-center center-space "> 534 <div class="module-wrap"> 535 536 537 538 <div class="module-bg"></div> 539 540 541 <header class="module-header text-center"> 542 543 <div class="header-content"> 544 545 <h2> 546 How Can Healthcare Providers Protect Their Businesses? 547 </h2> 548 549 <div class="header-text"> 550 <p>Connect with an independent insurance agent who specializes in insurance for healthcare and social services businesses. </p> 551 </div> 552 </div> 553 </header> 554 555 556 <div class="btn-block center"> 557 558 559 560 <div class="button-out accent normal "> 561 562 563 564 <a href="https://www.trustedchoice.com/agency-locator"> 565 Find a Local Agency 566 </a> 567 568 </div> 569 570 571 </div> 572 573 </div> 574 </div> 575</section> 576</div> 577 578 <div class="page-center"> 579 <div class="two-columns"> 580 <div class="post-contents"> 581 582 <div id="hs_cos_wrapper_module_177516392840443" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"><p>Whether itâs medical errors, patient injuries in your building, employee claims of work-related harm, or simply damage to your building or equipment, running a healthcare or social work facility is fraught with risk. Both for-profit and nonprofit medical businesses face these risks. Here we look at some of the most common insurance coverages and loss-control programs that protect healthcare or social services businesses.<br><br>Some of the major coverages medical, dental, and mental health providers need include:</p> 583<ul> 584<li> 585<p><strong>General liability insurance:</strong> Covers patient or visitor injuries on your premises not related to medical procedures (slips and falls are typical of this category)</p> 586</li> 587<li> 588<p><strong>Professional liability:</strong> Covers errors and omissions in client/patient care that result in harm (medical malpractice is a type of professional liability insurance)</p> 589</li> 590<li> 591<p><strong>Sexual abuse and molestation:</strong> Covers claims that staff or practitioners assaulted someone in their care</p> 592</li> 593<li> 594<p><strong>Business property insurance:</strong> Covers your building and its contents</p> 595</li> 596<li> 597<p><strong>Business income insurance:</strong> Keeps revenue flowing even if your office must shut down due to a fire or other covered event</p> 598</li> 599<li> 600<p><strong>Cyber liability: </strong>Insures against costs of a data breach or other cyber attack</p> 601</li> 602<li> 603<p><strong>Workers compensation:</strong> Pays for medical care, some lost wages and other benefits for employees injured or sickened on the job</p> 604</li> 605<li> 606<p><strong>Employment practices liability:</strong> Covers employee complaints of workplace mistreatment</p> 607</li> 608<li> 609<p><strong>Excess/umbrella:</strong> Extends the dollar amount of coverage you have under your primary liability policies</p> 610</li> 611<li> 612<p><strong>Commercial auto:</strong> Provides coverage a personal auto policy doesnât if you have your own professional corporation (PC) and drive to patient appointments in schools, hospitals or other facilities</p> 613</li> 614</ul> 615<p><br>Hereâs how each of these benefits your practice.</p> 616<h2>General Liability Insurance for Medical, Dental & Social Workers</h2> 617<p>The most basic liability policy is general liability. It helps pay for injuries sustained by visitors on your premises that arenât the result of direct care. Falls, cut
617s, and chemical burns are examples. These injuries can also be covered if they result from accidents in a home care or off-site visit, where people might trip on a piece of your equipment or erroneously handle a sharp instrument that wasnât properly discarded or monitored.</p> 618<h2>Professional Liability Insurance for Medical, Dental & Social Workers</h2> 619<p>No person dealing with the physical or mental care of others should go without professional liability insurance, also called medical malpractice insurance. It is available for allied health workers, residents, nurses, surgeons, anesthesiologists, physicians, radiologists, dentists, psychologists, psychiatrists, mental health counselors, and all others who take part in the care of patients. <br><br>It covers costs related to errors, omissions and negligence in the course of professional duties and can help pay for patient recovery, disability, fatality and lost income, as well as legal defense costs. Many medical malpractice or professional liability claims are also awarded punitive damages. The legality of whether punitive damages can be assessed and how high those damages can go differs by state. Moreover, most medical liability policies exclude punitive damages from coverage (or severely restrict the dollar amount). Speak with an insurance agent about this risk, especially if you live in a state that allows punitive, or non-economic, damages. Some states bar or restrict insurance for this risk, and insurance for it is hard to find and afford. Because health care professionals are on the front line of providing care, they can be unjustly blamed and sued. Professional liability can pay for lawsuit costs, regardless of merit.</p> 620<h2>Sexual Abuse & Molestation for Medical, Dental & Social Workers</h2> 621<p>The number of sexual abuse and molestation claims is on the rise and in addition to facing a civil suit, you may face criminal charges. Coverage for these incidents (frequently dubbed SAM claims) is often excluded from general and professional liability insurance. When they arenât excluded, many insurers set high deductibles (or co-insurance), a separate premium and a sublimit (or specific cap) on SAM protections. If your professional liability insurer wonât cover this risk, you will need to purchase stand-alone sexual abuse and molestation coverage.<br><br>Coverage goes beyond legal defense and settlement costs. It can also help pay for investigations and crisis management, which can run tens of thousands of dollars. You will need to speak with your insurance agent about long-tail insurance and claims-made versus claims-reported insurance. According to the <a href="https://leb.fbi.gov/articles/featured-articles/statutes-of-limitation-in-sexual-assault-cases" rel="noopener" target="_blank">FBIâs Law Enforcement Bulletin</a>, many states have passed âlookback laws,â which allow claimants to sue for incidents they allegedly recall from long ago, while others have removed or extended the <a href="https://www.torhoermanlaw.com/legal-guides/sexual-abuse-lawsuit/sexual-abuse-statute-of-limitations-by-state/" rel="noopener" target="_blank">statutes of limitations</a> for bringing such suits. <br><br>To be a good candidate for sexual abuse and molestation insurance, you should have a documented SAM-prevention program that includes 100% employee background checks and training, never-violated supervision procedures (such as always having a medical assistant in the room when dealing with vulnerable patients), and verifiable, airtight recordkeeping.</p> 622<h2>Business Property Insurance for Medical, Dental & Social Workers</h2> 623<p>Your business property typically includes your building, equipment, furnishings, and records, though your landlord is usually responsible for insuring the building if you lease your space. Commercial property insurance will cover your property for fire, water damage (though not flood), storms, explosion, vandalism and theft. If your office is near a body of water, dam or stormwater system, you should consider flood insurance, and those working in earthquake- and wildfire-prone regions may need specialty policies for those perils.<br><br>It can also be written with extra expense coverage to help with costs of renting replacement equipment during repairs. Most medical and dental practices rely on functioning equipment, so ask your agent about equipment breakdown coverage options. Sometimes a business property policy can include it; in other cases, you will need to purchase it separately. It helps pay for repairs of critical systems, such as refrigeration, testing and diagnostic equipment, computers and HVAC, and it will keep revenue flowing if your practice is shut down for a specified time due to covered damage to or failure of your equipment. <br><br>Some therapists may have a separate office in their home to see patients. It is very likely that your homeowners policy excludes coverage for âbusiness pursuits,â so you will likely need to have your home added under your general liability policy in case a patient gets hurt at your home.</p> 624<h2>Business Income Insurance for Medical, Dental & Social Workers</h2> 625<p>There are events other than equipment failure that could shutter your practice and disrupt income. For those, you need business income insurance, also called business interruption insurance. This coverage requires physical damage, such as fire or wind, to occur to your site for the policy to kick in. You can also have it written to cover closures due to utility failures and other off-site risks that block use of your office. Talk to an insurance agent about the value of such coverage, especially if you work in an area particularly prone to hurricanes, ice storms and tornadoes.</p> 626<h2>Cyber Liability Insurance for Medical, Dental & Social Workers</h2> 627<p>The health industry is one of the most attacked sectors by cyber criminals because healthcare providers have a rich set of data on many patients that can be sold. Cyber liability insurance helps pay for notifications, forensic investigations about the cause, ransom to unlock access to systems (sometimes), crisis management, and compensation to victims, which may include actual dollar payouts or simply the cost of ongoing identity theft monitoring. Though some cyber coverage is available in many general liability policies, itâs a good idea to get stand-alone cyber insurance since the health industry is so vulnerable and the cost of a breach can far exceed basic coverage. <br><br>Know that cyber insurers are becoming much more demanding of policyholders. You will be expected to follow high standards for data protection, system monitoring, and user training and testing. A special focus on impersonations and email phishing c
627an eliminate most of the human errors that give hackers access to networks.</p> 628<h2>Workers Compensation Insurance for Medical, Dental & Social Workers</h2> 629<p>The health industry is notorious for its number of workers comp claims due to employeesâ high risk of musculoskeletal strain, needle sticks, falls, injury by patients, and stress overload. Workers compensation insurance is required in almost all states, but practices with partner-owners and fewer than five employees may have special circumstances. In some states, very small practices are not required to carry workers comp for employees, but doing so leaves your business open to liability lawsuits. Additionally, owners and partners of practices can often exempt themselves from workers comp coverage, even if your staff is covered. Youâll need to assess the cost versus the benefit of such exemptions, since partners and owners are not at a reduced risk of work-related injury or illness.</p> 630<p> </p></div> 631 <div class="container-fluid"> 632<div class="row-fluid-wrapper"> 633<div class="row-fluid"> 634<div class="span12 widget-span widget-type-cell " style="" data-widget-type="cell" data-x="0" data-w="12"> 635 636<div class="row-fluid-wrapper row-depth-1 row-number-1 dnd-section"> 637<div class="row-fluid "> 638<div class="span12 widget-span widget-type-cell dnd-column" style="" data-widget-type="cell" data-x="0" data-w="12"> 639 640<div class="row-fluid-wrapper row-depth-1 row-number-2 dnd-row"> 641<div class="row-fluid "> 642<div class="span12 widget-span widget-type-custom_widget dnd-module" style="" data-widget-type="custom_widget" data-x="0" data-w="12"> 643<div id="hs_cos_wrapper_widget_1778787582570" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"> 644<section id="module-widget_1778787582570" class="custom-module widget-callout "> 645 646 647 <div class="module-bg"></div> 648 649 650 <div class="widget-holder"> 651 <header class="module-header "> 652 653 <div class="header-content"> 654 655 <h3> 656 Employment Practices Liability Insurance for Medical, Dental & Social Workers 657 </h3> 658 659 <div class="header-text"> 660 <p>Though workers compensation insurance will pay for recovery and lost wages of injured employees, it will not cover employee complaints of hostile or unfair workplace practices or environments. These complaints, which typically deal with discrimination, hiring, firing and mistreatment by bosses or co-workers, are very common and can get picked up by the government or aggressive attorneys. Employment practices liability insurance (EPLI) can help pay for your legal defense as well as settlements or awards you must pay to plaintiffs.<br><br>The best way to avoid such complaints is to have transparent, documented practices and to assiduously enforce rules against discrimination, harassment, and workplace mistreatment. An open-door policy without reprisals on complainants or an anonymous reporting line can be a good method of identifying, investigating and correcting problems before they turn into lawsuits. The medical care industry has a high employee turnover rate and a diverse cultural base, so training, documentation, monitoring, and correction need to be ongoing efforts. Do not assume that everyone comes in understanding expectations.</p> 661 </div> 662 </div> 663 </header> 664 665 </div> 666</section> 667 668</div> 669 670</div><!--end widget-span --> 671</div><!--end row--> 672</div><!--end row-wrapper --> 673 674</div><!--end widget-span --> 675</div><!--end row--> 676</div><!--end row-wrapper --> 677 678<div class="row-fluid-wrapper row-depth-1 row-number-3 dnd-section"> 679<div class="row-fluid "> 680<div class="span12 widget-span widget-type-cell dnd-column" style="" data-widget-type="cell" data-x="0" data-w="12"> 681 682<div class="row-fluid-wrapper row-depth-1 row-number-4 dnd-row"> 683<div class="row-fluid "> 684<div class="span12 widget-span widget-type-custom_widget dnd-module" style="" data-widget-type="custom_widget" data-x="0" data-w="12"> 685<div id="hs_cos_wrapper_widget_1778787749072" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module widget-type-rich_text" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"><span id="hs_cos_wrapper_widget_1778787749072_" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text" style="" data-hs-cos-general-type="widget" data-hs-cos-type="rich_text"><h2 style="color: #20295b; background-color: #ffffff;"><span style="color: #009bdf;">Excess/Umbrella Insurance for Medical, Dental & Social Workers</span></h2> 686<p style="color: #20295b; background-color: #ffffff;">Liability claims on your healthcare practice can run into the millions of dollars. If you have a robust practice with many employees and patients, you function in the surgical, emergency, geriatric care or home health segments, or you are a sole practitioner who sees patients one on one, you may have significant exposure to liability losses that exceed the limits of coverage in your primary liability insurance policies. To increase your protection to levels that align with your risk, you may wish to
686secure excess or umbrella insurance. Excess liability coverage extends the dollar amount of protection you have in a single underlying policy, such as professional liability. Umbrella insurance can be written to do that for multiple liability policies at a time. Both have preset dollar benchmarks where coverage begins. These are called attachment points, and itâs important to make sure your underlying insurance has enough coverage to reach that dollar level so you donât create a gap between the primary policyâs limit and the trigger amount for the excess or umbrella policy to start.</p> 687<h2 style="color: #20295b; background-color: #ffffff;"><span style="color: #009bdf;">Get Help for Insurance for Medical, Dental & Social Services Businesses</span></h2> 688<p style="color: #20295b; background-color: #ffffff;">An independent insurance agent can help you sort through the many risks and options you face in your medical, dental, or mental health practice. Your agent will ask many questions to discover your location, hours, number and type of patients, ownership structure, business property, and employee types and numbers, among other things. If you operate commercial vehicles for patient transport, you will need to come prepared with the type and age of those vehicles, information on your drivers, and locations and miles of operation.<br><br>Insuring a patient-care practice is a complex effort, but an insurance agent who is familiar with this industry can help you find coverages that will protect you from crippling losses and allow your business and employees to focus on your patients <a href="/locator-chatflow" rel="noopener" target="_blank">Find an agent that specializes in healthcare risks.</a></p></span></div> 689 690</div><!--end widget-span --> 691</div><!--end row--> 692</div><!--end row-wrapper --> 693 694</div><!--end widget-span --> 695</div><!--end row--> 696</div><!--end row-wrapper --> 697 698</div><!--end widget-span --> 699</div> 700</div> 701</div> 702 703 </div> 704 705 <aside class="blog-sidebar"> 706 <div class="container-fluid"> 707<div class="row-fluid-wrapper"> 708<div class="row-fluid"> 709<div class="span12 widget-span widget-type-cell " style="" data-widget-type="cell" data-x="0" data-w="12"> 710 711<div class="row-fluid-wrapper row-depth-1 row-number-1 dnd-section"> 712<div class="row-fluid "> 713<div class="span12 widget-span widget-type-cell dnd-column" style="" data-widget-type="cell" data-x="0" data-w="12"> 714 715<div class="row-fluid-wrapper row-depth-1 row-number-2 dnd-row"> 716<div class="row-fluid "> 717<div class="span12 widget-span widget-type-custom_widget dnd-module" style="" data-widget-type="custom_widget" data-x="0" data-w="12"> 718<div id="hs_cos_wrapper_widget_1775580787108" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"> 719</div> 720</div> 721 722</div><!--end widget-span --> 723</div><!--end row--> 724</div><!--end row-wrapper --> 725 726</div><!--end widget-span --> 727</div><!--end row--> 728</div><!--end row-wrapper --> 729 730<div class="row-fluid-wrapper row-depth-1 row-number-3 dnd-section"> 731<div class="row-fluid "> 732<div class="span12 widget-span widget-type-cell dnd-column" style="" data-widget-type="cell" data-x="0" data-w="12"> 733 734<div class="row-fluid-wrapper row-depth-1 row-number-4 dnd-row"> 735<div class="row-fluid "> 736<div class="span12 widget-span widget-type-custom_widget dnd-module" style="" data-widget-type="custom_widget" data-x="0" data-w="12"> 737<div id="hs_cos_wrapper_widget_1775580820262" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"> 738<section id="module-widget_1775580820262" class="custom-module widget-callout "> 739 740 741 <div class="module-bg"></div> 742 743 744 <div class="widget-holder"> 745 <header class="module-header "> 746 747 <div class="header-content"> 748 749 <h3> 750 Save on Healthcare & Social Services Insurance 751 </h3> 752 753 <div class="header-text"> 754 <p>Independent agents help business owners find protection that fits their operations, risks and goals.</p> 755 </div> 756 </div> 757 </header> 758 759 <div class="btn-block "> 760 761 762 <div class="btn-cta button-out primary-outline normal">
763 <span id="hs_cos_wrapper_widget_1775580820262_" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_cta" style="" data-hs-cos-general-type="widget" data-hs-cos-type="cta"><div class="hs-web-interactive-inline" style="" data-hubspot-wrapper-cta-id="318759472842"> 764 <span class="hs-cta-wrapper hs-web-interactive-wrapper"><span class="hs-cta-node hs-web-interactive-node"> <a href="https://cta-na2.hubspot.com/web-interactives/public/v1/track/click?encryptedPayload=AVxigLIFp1iMqAKFN0dNOMTogpSBRDhmHMZ7QzC3UmNLChKOWuoP5nlVfhtuUdHKZ%2BgQdZrMf7VIle3sdcbYh7JFc2yaG3yE6wUZm8p1mXlCaE2W1%2FmRGHynKC6XoXhbOmgkESj1cLIOxgB0hdHiw5TWLSLnaqu1Fg%2Fn%2FuNItYXRI06xruJuQiFajLuPeJnJGYkF8MEOi2nqZw%3D%3D&portalId=244273096" target="_blank" rel="noopener" class="hs-inline-web-interactive-318759472842 " data-hubspot-cta-id="318759472842"> FIND A LOCAL AGENCY </a> </span></span> 765</div></span> 766 </div> 767 768 769 </div> 770 771 </div> 772</section> 773 774</div> 775 776</div><!--end widget-span --> 777</div><!--end row--> 778</div><!--end row-wrapper --> 779 780</div><!--end widget-span --> 781</div><!--end row--> 782</div><!--end row-wrapper --> 783 784<div class="row-fluid-wrapper row-depth-1 row-number-5 dnd-section"> 785<div class="row-fluid "> 786<div class="span12 widget-span widget-type-cell dnd-column" style="" data-widget-type="cell" data-x="0" data-w="12"> 787 788<div class="row-fluid-wrapper row-depth-1 row-number-6 dnd-row"> 789<div class="row-fluid "> 790<div class="span12 widget-span widget-type-custom_widget dnd-module" style="" data-widget-type="custom_widget" data-x="0" data-w="12"> 791<div id="hs_cos_wrapper_module_17801041097654" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"> 792 793<section id="module-module_17801041097654" class="custom-module widget-related "> 794 795 796 <div class="module-bg"></div> 797 798 799 <div class="widget-holder"> 800 <header class="module-header "> 801 802 <div class="header-content"> 803 804 <h3> 805 Explore Business Insurance 806 </h3> 807 808 <div class="header-text"> 809 810 </div> 811 </div> 812 </header> 813 814 <div class="related-posts"> 815 816 <div class="item-post"> 817 818 <div class="item-post-img"> 819 820 821 822 823 824 <img src="https://www.trustedchoice.com/hs-fs/hubfs/iStock-2180759771.jpg?width=2000&name=iStock-2180759771.jpg" alt="iStock-2180759771" loading="lazy" width="2000" style="max-width: 100%; height: auto;" srcset="https://www.trustedchoice.com/hs-fs/hubfs/iStock-2180759771.jpg?width=1000&name=iStock-2180759771.jpg 1000w, https://www.trustedchoice.com/hs-fs/hubfs/iStock-2180759771.jpg?width=2000&name=iStock-2180759771.jpg 2000w, https://www.trustedchoice.com/hs-fs/hubfs/iStock-2180759771.jpg?width=3000&name=iStock-2180759771.jpg 3000w, https://www.trustedchoice.com/hs-fs/hubfs/iStock-2180759771.jpg?width=4000&name=iStock-2180759771.jpg 4000w, https://www.trustedchoice.com/hs-fs/hubfs/iStock-2180759771.jpg?width=5000&name=iStock-2180759771.jpg 5000w, https://www.trustedchoice.com/hs-fs/hubfs/iStock-2180759771.jpg?width=6000&name=iStock-2180759771.jpg 6000w" sizes="(max-width: 2000px) 100vw, 2000px"> 825 </div> 826 827 828 <div class="post-info"> 829 <h4> 830 831 832 <a href="https://www.trustedchoice.com/construction-insurance"> 833 Construction Insurance 834 </a> 835 </h4> 836 837 </div> 838 </div> 839 840 <div class="item-post"> 841 842 <div class="item-post-img"> 843 844 845 846 847 848 <img src="https://www.trustedchoice.com/hs-fs/hubfs/iStock-1390005458.jpg?width=2000&name=iStock-1390005458.jpg" alt="iStock-1390005458" loading="lazy" width="2000" style="max-width: 100%; height: auto;" srcset="https://www.trustedchoice.com/hs-fs/hubfs/iStock-1390005458.jpg?width=1000&name=iStock-1390005458.jpg 1000w, https://www.trustedchoice.com/hs-fs/hubfs/iStock-1390005458.jpg?width=2000&name=iStock-1390005458.jpg 2000w, https://www.trustedchoice.com/hs-fs/hubfs/iStock-1390005458.jpg?width=3000&name=iStock-1390005458.jpg 3000w, https://www.trustedchoice.com/hs-fs/hubfs/iStock-1390005458.jpg?width=4000&name=iStock-1390005458.jpg 4000w, https://www.trustedchoice.com/hs-fs/hubfs/iStock-1390005458.jpg?width=5000&name=iStock-1390005458.jpg 5000w, https://www.trustedchoice.com/hs-fs/hubfs/iStock-1390005458.jpg?width=6000&name=iStock-1390005458.jpg 6000w" sizes="(max-width: 2000px) 100v
848w, 2000px"> 849 </div> 850 851 852 <div class="post-info"> 853 <h4> 854 855 856 <a href="https://www.trustedchoice.com/hospitality-insurance"> 857 Hospitality Insurance 858 </a> 859 </h4> 860 861 </div> 862 </div> 863 864 <div class="item-post"> 865 866 <div class="item-post-img"> 867 868 869 870 871 872 <img src="https://www.trustedchoice.com/hs-fs/hubfs/iStock-2216587796.jpg?width=2000&name=iStock-2216587796.jpg" alt="iStock-2216587796" loading="lazy" width="2000" style="max-width: 100%; height: auto;" srcset="https://www.trustedchoice.com/hs-fs/hubfs/iStock-2216587796.jpg?width=1000&name=iStock-2216587796.jpg 1000w, https://www.trustedchoice.com/hs-fs/hubfs/iStock-2216587796.jpg?width=2000&name=iStock-2216587796.jpg 2000w, https://www.trustedchoice.com/hs-fs/hubfs/iStock-2216587796.jpg?width=3000&name=iStock-2216587796.jpg 3000w, https://www.trustedchoice.com/hs-fs/hubfs/iStock-2216587796.jpg?width=4000&name=iStock-2216587796.jpg 4000w, https://www.trustedchoice.com/hs-fs/hubfs/iStock-2216587796.jpg?width=5000&name=iStock-2216587796.jpg 5000w, https://www.trustedchoice.com/hs-fs/hubfs/iStock-2216587796.jpg?width=6000&name=iStock-2216587796.jpg 6000w" sizes="(max-width: 2000px) 100vw, 2000px"> 873 </div> 874 875 876 <div class="post-info"> 877 <h4> 878 879 880 <a href="https://www.trustedchoice.com/healthcare-and-social-services-insurance"> 881 Healthcare & Social Services 882 </a> 883 </h4> 884 885 </div> 886 </div> 887 888 <div class="item-post"> 889 890 <div class="item-post-img"> 891 892 893 894 895 896 <img src="https://www.trustedchoice.com/hs-fs/hubfs/iStock-1399777169.jpg?width=2000&name=iStock-1399777169.jpg" alt="iStock-1399777169" loading="lazy" width="2000" style="max-width: 100%; height: auto;" srcset="https://www.trustedchoice.com/hs-fs/hubfs/iStock-1399777169.jpg?width=1000&name=iStock-1399777169.jpg 1000w, https://www.trustedchoice.com/hs-fs/hubfs/iStock-1399777169.jpg?width=2000&name=iStock-1399777169.jpg 2000w, https://www.trustedchoice.com/hs-fs/hubfs/iStock-1399777169.jpg?width=3000&name=iStock-1399777169.jpg 3000w, https://www.trustedchoice.com/hs-fs/hubfs/iStock-1399777169.jpg?width=4000&name=iStock-1399777169.jpg 4000w, https://www.trustedchoice.com/hs-fs/hubfs/iStock-1399777169.jpg?width=5000&name=iStock-1399777169.jpg 5000w, https://www.trustedchoice.com/hs-fs/hubfs/iStock-1399777169.jpg?width=6000&name=iStock-1399777169.jpg 6000w" sizes="(max-width: 2000px) 100vw, 2000px"> 897 </div> 898 899 900 <div class="post-info"> 901 <h4> 902 903 904 <a href="https://www.trustedchoice.com/business-insurance-types"> 905 More Business Insurance 906 </a> 907 </h4> 908 909 </div> 910 </div> 911 912 </div> 913 914 915 </div> 916</section> 917 918 919</div> 920 921</div><!--end widget-span --> 922</div><!--end row--> 923</div><!--end row-wrapper --> 924 925</div><!--end widget-span --> 926</div><!--end row--> 927</div><!--end row-wrapper --> 928 929<div class="row-fluid-wrapper row-depth-1 row-number-7 dnd-section"> 930<div class="row-fluid "> 931<div class="span12 widget-span widget-type-cell dnd-column" style="" data-widget-type="cell" data-x="0" data-w="12"> 932 933<div class="row-fluid-wrapper row-depth-1 row-number-8 dnd-row"> 934<div class="row-fluid "> 935<div class="span12 widget-span widget-type-custom_widget widget_1775580976130-hidden dnd-module" style="" data-widget-type="custom_widget" data-x="0" data-w="12"> 936<div id="hs_cos_wrapper_widget_1775580976130" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"> 937<section id="module-widget_1775580976130" class="custom-module widget-testimonial "> 938 939 940 <div class="module-bg"></div> 941 942 943 <div class="widget-holder"> 944 <div class="sidebar-testimonial"> 945 946 <div class="ico-testimonial"> 947 948 949 950 <img src="https://www.trustedchoice.com/hubfs/Website/Page%20Images/ico-service-12.svg" alt="ico-service-12" loading="lazy" width="167" height="150"> 951 </div> 952 953 <h3>Equipment Breakdown</h3> 954<p><span>Most medical and dental practices rely on functioning equipment, so ask your agent about equipment breakdown coverage options. It helps pay for repairs of critical systems, such as refrigeration, testing and diagnostic equipment, computers and HVAC, and it will keep revenue flowing if your practice is shut down for a specified time due to covered damage to or failure of your equipment.</span> </p> 955 956 </div> 957 958 959 </div> 960</section> 961 962</div> 963 964</div><!--end widget-span --> 965</div><!--end row--> 966</div><!--end row-wrapper --> 967 968</div><!--end widget-span --> 969</div><!--end row--> 970</div><!--end row-wrapper --> 971 972</div><!--end widget-span --> 973</div> 974</div> 975</aside></div> 976 977 </div> 978 <div class="two-columns limited faqsContent page-center"> 979 <div class="post-contents"> 980 <div id="hs_cos_wrapper_module_177516361531238" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"></div> 981 <div id="hs_cos_wrapper_module_17755793987901" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"> 982<section id="module-module_17755793987901" class="custom-module widget-faqs "> 983 984 985 <div class="module-bg"></div> 986 987 988 <div class="widget-holder"> 989 <header class="module-header "> 990 991 <div class="header-content"> 992 993 <h2 style="color: #009BDF"> 994 Frequently Asked Questions 995 </h2> 996 997 <div class="header-text"> 998 999 </div> 1000 </div> 1001 </header> 1002 <div class="faqs-main"> 1003 1004 <div class="item-faq"> 1005 <h3> 1006 <a href="#item-1">What happens if my healthcare facility has to temporarily close? Is there coverage to protect me? <i class="fa fa-angle-down"></i> </a> 1007 </h3> 1008 <div class="item-details"> 1009 <div class="item-holder"> 1010 <p>There are events other than equipment failure that could shutter your practice and disrupt income. For those, you need business income insurance, also called business interruption insurance. This coverage requires physical damage, such as fire or wind, to occur to your site for the policy to kick in. You can also have it written to cover closures due to utility failures and other off-site risks that block use of your office.</p> 1011 </div> 1012 </div> 1013 </div> 1014 1015 <div class="item-faq"> 1016 <h3> 1017 <a href="#item-2">What does professional liability insurance for medical, dental and social workers cover? <i class="fa fa-angle-down"></i> </a> 1018 </h3> 1019 <div class="item-details"> 1020 <div class="item-holder"> 1021 <p>It covers costs related to errors, omissions and negligence in the course of professional duties and can help pay for patient recovery, disability, fatality and lost income, as well as legal defense costs. Many medical malpractice or professional liability claims are also awarded punitive damages. The legality of whether punitive damages can be assessed and how high those damages can go differs by state. Moreover, most medical liability policies exclude punitive damages from coverage (or severely restrict the dollar amount).</p> 1022 </div> 1023 </div> 1024 </div> 1025 1026 <div class="item-faq"> 1027 <h3> 1028 <a href="#item-3">What if I see patients at my home? Am I covered? <i class="fa fa-angle-down"></i> </a> 1029 </h3> 1030 <div class="item-details"> 1031 <div class="item-holder"> 1032 <p>Some therapists may have a separate office in their home to see patients. It is very likely that your homeowners policy excludes coverage for âbusiness pursuits,â so you will likely need to have your home added under your general liability policy in case a patient gets hurt at your home.</p> 1033 </div> 1034 </div> 1035 </div> 1036 1037 </div> 1038 1039 1040 </div> 1041</section> 1042 1043 1044 1045</div> 1046 </div> 1047 </div> 1048 </article></div> 1049 1050 </div> 1051</main></div> 1052 1053 1054 1055 1056 1057 <div data-global-resource-path="Trusted_Choice_2026/templates/partials/footer.html"><div id="hs_cos_wrapper_module_17708315682705" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"><footer id="footer" style="background: #20295B"> 1058 <div class="page-center"> 1059 <div class="footer-menus-wrap"> 1060 <div class="footer-menus"> 1061 1062 1063 <div class="footer-col"> 1064 1065 1066 <nav class="footer-nav"> 1067 1068 <h6> 1069 BUSINESS INSURANCE 1070 </h6> 1071
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